CN110570297A - Bank account query method and device based on mobile phone number - Google Patents
Bank account query method and device based on mobile phone number Download PDFInfo
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- CN110570297A CN110570297A CN201910772972.5A CN201910772972A CN110570297A CN 110570297 A CN110570297 A CN 110570297A CN 201910772972 A CN201910772972 A CN 201910772972A CN 110570297 A CN110570297 A CN 110570297A
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Abstract
The invention discloses a bank account query method and a bank account query device based on a mobile phone number, wherein the bank account query method based on the mobile phone number comprises the following steps: receiving account query information sent by a bank server, wherein the account query information comprises a mobile phone number of a query target user; and when the corresponding default account set by the user does not exist in the mobile phone number, determining a system designated account corresponding to the mobile phone number and returning the system designated account to the bank server, wherein the system designated account is determined from all accounts corresponding to the mobile phone number according to a preset account designation method. The invention solves the technical problem that the bank account corresponding to the mobile phone number of the user to be inquired cannot be efficiently returned when the user does not specify the default account in the prior art.
Description
Technical Field
The invention relates to a bank account query method, in particular to a bank account query method and device based on a mobile phone number.
Background
Referring to inter-bank transfers, the first reaction of people is to first bank accounts. The bank accounts are complicated and difficult to remember, and one person often opens the accounts in multiple banks and hardly remembers the own bank account. And the mobile phone number is used as a social contact tool, so that the convenience is far better than that of a bank account. Therefore, the transfer based on the mobile phone number greatly improves the convenience of transfer. When payment based on the mobile phone number is carried out, the user needs to associate the mobile phone number with a bank account, when other users transfer accounts, the user only needs to input the mobile phone number, and the subsequent process is the traditional debit and credit service.
the payment based on the mobile phone number is only a front system of an online bank system, the actual collection and payment of a user is still the same as the ordinary transfer, and the payment is based on an account opened in a commercial bank. In the mobile phone number payment system, the same mobile phone number can register accounts in a plurality of banks, that is, the mobile phone number of the user can be associated with the plurality of bank accounts, and the user can designate one of the bank accounts as a default account. When the user transfers the account, only the mobile phone number can be selected to be input, and the default account of the mobile phone number can be returned, so that the account transfer is more convenient. In addition, the user can change the default account to ensure that the user will be satisfied.
However, when the user does not specify a default account, how to return to the bank account corresponding to the mobile phone number is a problem. When the user does not designate a default account, a certain rule is installed for sorting all bank accounts associated with the user when transferring accounts to the user, and then one or more bank accounts with the top sorting are sent to the transfer person, and the transfer person selects an account from the bank accounts for transferring accounts. According to the method, the online banking system needs to inquire all bank accounts associated with the user, further needs to install a certain rule to sort the bank accounts, and finally sends the sorted front accounts to the account transfer, so that the inquiring efficiency is low. Therefore, a more efficient method for returning the bank account corresponding to the mobile phone number of the user is needed.
It should be noted that the above contents are only for illustrating the technical problems to be solved by the present invention, and the above contents cannot be understood as technical solutions known by those skilled in the art.
disclosure of Invention
the invention mainly aims to provide a bank account query method and a bank account query device based on a mobile phone number, and aims to solve the technical problem that a bank account corresponding to the mobile phone number of a user to be queried cannot be efficiently returned when the user does not specify a default account in the prior art.
in order to achieve the above object, according to an aspect of the present invention, there is provided a bank account query method based on a mobile phone number, the method including:
receiving account query information sent by a bank server, wherein the account query information comprises a mobile phone number of a query target user;
and when the corresponding default account set by the user does not exist in the mobile phone number, determining a system designated account corresponding to the mobile phone number and returning the system designated account to the bank server, wherein the system designated account is determined from all accounts corresponding to the mobile phone number according to a preset account designation method.
optionally, before determining the system-specific account corresponding to the mobile phone number and returning the system-specific account to the bank server, the method further includes:
and judging whether the corresponding default account exists in the mobile phone number, and if so, returning to the default account.
Optionally, there is only one of the default account and the system specific account at a time.
Optionally, the account specifying method includes: and setting the account which is registered with the mobile phone number at first in all accounts corresponding to the mobile phone number of the user as a system appointed account.
optionally, the determining a system-specific account corresponding to the mobile phone number and returning the system-specific account to the bank server includes:
Inquiring out the account with the default type as the account appointed by the system from all accounts corresponding to the mobile phone number, wherein the default type comprises: one of a default account, a non-default account, and a system-specific account;
And returning the inquired account to the bank server.
optionally, the method further includes:
Acquiring default account designation information, wherein the default account designation information includes: designating a target account and a mobile phone number of a user;
And setting the designated target account as a default account, and setting the original default account or the system designated account as a non-default account when the original default account or the system designated account exists in other accounts except the designated target account corresponding to the mobile phone number of the user.
Optionally, the method further includes:
Acquiring account registration information of a user for carrying out first account registration, wherein the account registration information comprises: an account to be registered and an account registration type;
when the account registration type is a registered default account, setting the account to be registered as a default account;
And when the account registration type is that a non-default account is registered, setting the account to be registered as a system-specified account.
Optionally, the method further includes:
Acquiring account logout information, wherein the account logout information comprises: an account to be logged off;
and when the account to be logged out is a default account or a system-designated account, re-determining the system-designated account from other accounts except the account to be logged out corresponding to the mobile phone number of the user according to the account designation method.
In order to achieve the above object, according to another aspect of the present invention, there is provided a bank account inquiry apparatus based on a mobile phone number, the apparatus including:
the system comprises a query information receiving unit, a query information sending unit and a query processing unit, wherein the query information receiving unit is used for receiving account query information sent by a bank server, and the account query information comprises a mobile phone number of a query target user;
and the system-assigned account query unit is used for determining a system-assigned account corresponding to the mobile phone number and returning the system-assigned account to the bank server when the corresponding default account set by the user does not exist in the mobile phone number, wherein the system-assigned account is determined from all accounts corresponding to the mobile phone number through a preset account assignment unit.
optionally, the apparatus further comprises: and the default account inquiry unit is used for judging whether the corresponding default account exists in the mobile phone number or not, and returning to the default account if the corresponding default account exists in the mobile phone number.
Optionally, there is only one of the default account and the system specific account at a time.
Optionally, the account designation unit is configured to set, as the system-designated account, an account that is registered with the mobile phone number first among all accounts corresponding to the mobile phone number of the user.
Optionally, the system specifies an account querying unit, including:
An account default type query module, configured to query, from all accounts corresponding to the mobile phone number, an account whose default type is a system-specific account, where the default type includes: one of a default account, a non-default account, and a system-specific account;
And the account information sending module is used for returning the inquired account to the bank server.
Optionally, the apparatus further comprises:
A default account specifying information obtaining unit, configured to obtain default account specifying information, where the default account specifying information includes: designating a target account and a mobile phone number of a user;
And the default account designated operation unit is used for setting the designated target account as a default account, and setting the original default account or the system designated account as a non-default account when the original default account or the system designated account exists in other accounts except the designated target account corresponding to the mobile phone number of the user.
Optionally, the apparatus further comprises:
The system comprises an account registration unit and a control unit, wherein the account registration unit is used for acquiring account registration information of a user for carrying out first account registration, and the account registration information comprises: an account to be registered and an account registration type;
The first setting unit is used for setting the account to be registered as a default account when the account registration type is a registered default account;
and the second setting unit is used for setting the account to be registered as a system-designated account when the account registration type is a registered non-default account.
Optionally, the apparatus further comprises:
the account logout information acquisition unit is used for acquiring account logout information, wherein the account logout information comprises: an account to be logged off;
The account designating unit is further configured to, when the account to be revoked is a default account or a system-designated account, re-determine the system-designated account from other accounts, except for the account to be revoked, corresponding to the mobile phone number of the user.
in order to achieve the above object, according to another aspect of the present invention, there is also provided a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps in the above bank account query method based on mobile phone number when executing the computer program.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer-readable storage medium storing a computer program, which when executed in a computer processor, implements the steps in the above-mentioned mobile-phone-number-based bank account inquiry method.
The invention has the beneficial effects that: in the embodiment of the invention, besides a mechanism of the default account designated by the user, a system designated account designated in the internet bank system is set, and the system designated account is an account determined by the internet bank system from all accounts corresponding to the mobile phone number of the user according to a preset account designation method. When the user does not designate a default account, the online banking system can directly return the account designated by the system to the inquirer, so that the complex processes of traversing all accounts associated with the mobile phone number of the user and sequencing the accounts are avoided, and the efficiency of returning the bank account corresponding to the mobile phone number of the user to be inquired is improved.
drawings
in order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts. In the drawings:
Fig. 1 is a flowchart of a method for querying a bank account based on a mobile phone number according to an embodiment of the present invention;
Fig. 2 is an application scenario diagram of a bank account query method based on a mobile phone number according to an embodiment of the present invention;
FIG. 3 is a flow diagram of a method of querying a default account in accordance with an embodiment of the present invention;
FIG. 4 is a flow diagram of a method of querying a system-specific account according to an embodiment of the present invention;
FIG. 5 is a flow diagram of a method of designating a default account according to an embodiment of the present invention;
FIG. 6 is a flowchart of a method for a user to perform a first account registration in accordance with an embodiment of the present invention;
FIG. 7 is a flow diagram of a method of account deregistration in accordance with an embodiment of the present invention;
fig. 8 is a first block diagram of a device for querying a bank account based on a mobile phone number according to an embodiment of the present invention;
Fig. 9 is a second structural block diagram of the device for querying a bank account based on a mobile phone number according to the embodiment of the present invention;
FIG. 10 is a block diagram of a system specific account lookup unit according to an embodiment of the present invention;
fig. 11 is a third structural block diagram of a bank account inquiry apparatus based on a mobile phone number according to the embodiment of the present invention;
fig. 12 is a fourth structural block diagram of the device for querying a bank account based on a mobile phone number according to the embodiment of the present invention;
fig. 13 is a fifth structural block diagram of the device for querying a bank account based on a mobile phone number according to the embodiment of the present invention;
FIG. 14 is a schematic diagram of a computer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
as will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
it should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
fig. 2 is an application scenario diagram of a Bank account query method based on a mobile phone number according to an embodiment of the present invention, and as shown in fig. 2, the application scenario of the Bank account query method based on a mobile phone number according to an embodiment of the present invention includes a commercial Bank and an Internet banking center, and the Internet banking center may be an Internet payment cross Bank clearing system (Internet Bank PaymentSystem, IBPS). In the invention, the payment based on the mobile phone number is only a front-end system of the internet bank system, the actual collection and payment of the user is still the same as the ordinary transfer, and the payment is based on a bank account opened in a commercial bank. When payment based on the mobile phone number is carried out, a user needs to carry out associated registration on the mobile phone number and a bank account in an IBPS (Internet banking System) through a commercial bank, and the IBPS stores the binding relationship between the mobile phone number of the user and all associated bank accounts. When payment based on the mobile phone number is carried out, a user performs a mobile phone number debit, credit and transfer function through commercial banks (channels such as counter and mobile phone banks), the commercial banks inquire an account number corresponding to the mobile phone number of a transaction opposite side from the IBPS according to the mobile phone number of the transaction opposite side and related information, the IBPS inquires and returns the account number corresponding to the mobile phone number of the transaction opposite side, and after the user confirms, the mobile phone number payment is carried out. In addition, the user can also perform operations such as associated account inquiry, account logout, default account setting/changing, new account binding and the like from the IBPS through the business bank.
fig. 1 is a flowchart of a method for querying a bank account based on a mobile phone number according to an embodiment of the present invention, and as shown in fig. 1, the method for querying a bank account based on a mobile phone number according to the embodiment includes step S101 and step S102.
Step S101, receiving account query information sent by a bank server, wherein the account query information comprises a mobile phone number of a query target user.
In the embodiment of the invention, the account inquiry information can be a bank account which is sent by a commercial bank to the IBPS to inquire the mobile phone number binding of a transaction counterpart when the user pays or transfers money. In the embodiment of the present invention, the account query information may be an account query message.
step S102, when the corresponding default account set by the user does not exist in the mobile phone number, determining a system designated account corresponding to the mobile phone number and returning the system designated account to the bank server, wherein the system designated account is determined from all accounts corresponding to the mobile phone number according to a preset account designation method.
In the embodiment of the invention, bank accounts bound with the user mobile phone number stored in the IBPS are divided into three types: user-designated default accounts, non-default accounts, and IBPS-designated system-designated accounts. In the embodiment of the invention, the system designated account is the most prior account determined by the system according to the preset rule. More specifically, each piece of bank account information stored in the IBPS includes a default type field, and the present invention adds a "system-specific account" type to the default type field by extending the meaning of the default type field. Namely, the value range of the default type field is: the method comprises three types of default accounts, non-default accounts and system-specified accounts, wherein when the value range of the default type field of an account is the default account, the account is indicated as the default account. The invention is convenient for inquiring the default account and the system designated account by expanding the meaning of the default type field, thereby improving the inquiring efficiency.
In an embodiment of the present invention, the default account and the non-default account are in public status, i.e. the status that the user and the system participant (commercial bank, etc.) can inquire the bank account is the default account or the non-default account. The designated account of the system is an IBPS internal state and is only a mark state in the IBPS, the external characteristics displayed for system participants (commercial banks and the like) and users are still non-default accounts, and the designated account is equal to the non-default account in the change notification of synchronous data of the system participants (commercial banks and the like) and the download application of acquiring account information by a mobile phone number payment user.
in embodiments of the present invention, the default account and the system-specific account can only have one and only one item present at a time, and cannot coexist. Both the default account and the system specific account have at most one.
In an embodiment of the present invention, the account designation method may be multiple. In a preferred embodiment of the present invention, the account designating method includes: and setting the account which is firstly registered and bound with the mobile phone number in all accounts corresponding to the mobile phone number of the user as a system appointed account. The account designation method has the advantages that the bank account which firstly completes binding registration is set as the system designation account by the IBPS, and when the user does not designate the default account, the system designation account can be regarded as the default collection account, so that commercial banks can be encouraged to promote the mobile phone number payment service.
In another embodiment of the present invention, the account assigning method may also include: and setting the account with the largest transaction frequency in the latest period of time in all accounts corresponding to the mobile phone number of the user as a system-designated account, or setting the account with the latest transaction in all accounts corresponding to the mobile phone number of the user as the system-designated account.
In another optional embodiment of the present invention, the account designation method may also designate a random account among all accounts corresponding to the mobile phone number of the user as a system-designated account.
As can be seen from the above description, in the embodiment of the present invention, in addition to the mechanism for the user to designate the default account, a system-designated account designated in the internet banking system is set, and the system-designated account is an account determined by the internet banking system from all accounts corresponding to the mobile phone number of the user according to a preset account designation method. When the user does not designate a default account, the online banking system can directly return the account designated by the system to the inquirer, so that the complex processes of traversing all accounts associated with the mobile phone number of the user and sequencing the accounts are avoided, and the efficiency of returning the bank account corresponding to the mobile phone number of the user to be inquired is improved.
In an embodiment of the present invention, a step of querying a default account is further included between the step S101 and the step S102. Fig. 3 is a flowchart of a method for querying a default account according to an embodiment of the present invention, and as shown in fig. 3, the method for querying a default account according to an embodiment of the present invention includes step S201 and step S202.
Step S201, determining whether the mobile phone number has the corresponding default account.
In the embodiment of the invention, only one default account and only one system-specific account exist at the same time, and the default account and the system-specific account cannot coexist, so that the system-specific account does not exist when the corresponding default account exists in the mobile phone number of the user. Therefore, before step S102, it is further determined whether the mobile phone number of the user has a corresponding default account. In the embodiment of the present invention, the determining method in this step may be determining whether a bank account whose value range of the default type field is the default account exists in all bank accounts corresponding to the mobile phone number of the user.
and step S202, if the account exists, returning to the default account.
Fig. 4 is a flowchart of a method for querying a system-specific account according to an embodiment of the present invention, and as shown in fig. 4, the method for querying a system-specific account in step S102 may specifically include step S301 and step S302.
Step S301, inquiring an account with a default type as a system-specified account from all accounts corresponding to the mobile phone number, wherein the default type comprises: one of a default account, a non-default account, and a system-specific account.
Step S302, returning the inquired account to the bank server.
The invention adds the type of the system-appointed account into the default type field by expanding the meaning of the default type field in the bank account information. Namely, the value range of the default type field is: the account management method comprises three types of default accounts, non-default accounts and system-designated accounts, wherein when the value range of the default type field of an account is the system-designated account, the account is indicated to be the system-designated account. And then the system-specified account can be quickly found out according to the default type of the account during inquiry.
In an embodiment of the present invention, returning to the account may refer to returning to account information of the account, and the account information may include: bank account number, bank opening bank, account owner information, etc.
Fig. 5 is a flowchart of a method for designating a default account according to an embodiment of the present invention, and as shown in fig. 5, the method for designating a default account according to an embodiment of the present invention includes step S401 and step S402.
Step S401, acquiring default account designation information, wherein the default account designation information includes: and designating a target account and the mobile phone number of the user.
Step S402, setting the appointed target account as a default account, and setting the original default account or the system appointed account as a non-default account when the original default account or the system appointed account exists in other accounts except the appointed target account corresponding to the mobile phone number of the user.
In the embodiment of the invention, the user can freely set the default account and change the default account. In the embodiment of the invention, only one default account and one system-specific account exist at the same time, and cannot coexist, and the account-specific method of the system-specific account is to set the account which is firstly registered and bound with the mobile phone number in all accounts corresponding to the mobile phone number of the user as the system-specific account. The user must therefore make changes to the current default account or system-specific account when setting up or changing the default account.
In an embodiment of the present invention, the default account specifying information may be: the user changes the default account from the original bank account to other bank accounts, binds a new bank account and designates the new bank account as the default account, or designates one of the bound bank accounts as the default account for the user without the original default account, and the like.
In the embodiment of the present invention, when a user designates a default account, in addition to setting a bank account of a designated destination as a default account, if a default account or a system-designated account exists currently, the current default account or the system-designated account needs to be set as a non-default account.
in the embodiment of the present invention, the value range of the default type field in each bank account information is: when a certain bank account is designated as the default account, the value range of the default type field of the account is changed into the default account. Similarly, when the default account or the system-designated account is set as the non-default account, the value range of the default type field of the bank account is only required to be updated to the non-default account.
Fig. 6 is a flowchart of a method for performing first account registration by a user according to an embodiment of the present invention, and as shown in fig. 6, the method for performing first account registration by a user according to an embodiment of the present invention includes steps S501 to S503.
Step S501, obtaining account registration information for a user to perform first account registration, where the account registration information includes: an account to be registered and an account registration type.
step S502, when the account registration type is a registered default account, setting the account to be registered as a default account.
step S503, when the account registration type is a registered non-default account, setting the account to be registered as a system-designated account.
In the embodiment of the invention, when the user registers the account for the first time, namely the mobile phone number is bound with the bank account for the first time, since the mobile phone number of the user does not have an associated account, when the user selects to register the default account during the first account registration, the registered account is set as the default account. The account designating method of the system designated account is that an account which is firstly bound with the mobile phone number and is registered in all accounts corresponding to the mobile phone number of the user is set as the system designated account, and when the user does not select to register a default account during the first account registration, the IBPS designates the account which is registered for the first time as the system designated account according to the account designating method. Therefore, the bank account which is firstly bound and registered is set as the system designated account by the IBPS, and when the user does not designate the default account, the system designated account can be regarded as the default collection account, so that commercial banks can be encouraged to popularize the mobile phone number payment service.
In an embodiment of the present invention, the setting of the default account or the system-specific account in step S502 and step S503 may be completed by setting a value range of a default type field of the bank account as the default account or the system-specific account.
in the embodiment of the invention, when the user does not register for the first time, if the user does not register for the first time and registers the default account, whether the default account exists is checked. If yes, updating the original default account to be a non-default account, and setting the registration information to be default; if not, the designated account of the original system of the mobile phone number is updated to be a non-default account, and the registration information is the default. If the user makes a non-first registration and registers a non-default account, the non-default account is set.
fig. 7 is a flowchart of a method for logging out an account according to an embodiment of the present invention, and as shown in fig. 7, the method for logging out an account according to an embodiment of the present invention includes step S601 and step S602.
Step S601, obtaining account logout information, wherein the account logout information comprises: and (4) waiting for logging off the account.
Step S602, when the account to be logged off is a default account or a system-designated account, re-determining the system-designated account from other accounts except the account to be logged off corresponding to the mobile phone number of the user according to the account designation method.
in the embodiment of the invention, when the user logs off the account, that is, when the user unbinds a certain bank account number from the mobile phone number, if the logged-off account is a default account or a system-specific account, the IBPS needs to determine the system-specific account again. The IBPS sets the account with the earliest binding time in other accounts except the account to be cancelled corresponding to the mobile phone number of the user as the system-designated account according to the account designation method when the system-designated account is determined again.
As can be seen from the above embodiments, the bank account query method based on the mobile phone number according to the embodiments of the present invention has at least the following beneficial effects:
1. in the embodiment of the invention, besides a mechanism of the default account designated by the user, a system designated account designated in the internet bank system is set, and the system designated account is an account determined by the internet bank system from all accounts corresponding to the mobile phone number of the user according to a preset account designation method. When the user does not designate a default account, the online banking system can directly return the account designated by the system to the inquirer, so that the complex processes of traversing all accounts associated with the mobile phone number of the user and sequencing the accounts are avoided, and the efficiency of returning the bank account corresponding to the mobile phone number of the user to be inquired is improved.
2. The account designation method of the system-designated account in the embodiment of the invention is characterized in that the account which is firstly registered and bound with the mobile phone number in all accounts corresponding to the mobile phone number of the user is set as the system-designated account. Therefore, the bank account which is firstly bound and registered is set as the system-designated account by the IBPS, and when the user does not designate the default account, the system-designated account can be regarded as the default collection account, so that commercial banks can be encouraged to popularize the mobile phone number payment service.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
Based on the same inventive concept, the embodiment of the present invention further provides a bank account query device based on a mobile phone number, which can be used to implement the bank account query method based on a mobile phone number described in the above embodiment, as described in the following embodiments. Because the principle of solving the problems of the bank account inquiry device based on the mobile phone number is similar to that of the bank account inquiry method based on the mobile phone number, the embodiment of the bank account inquiry device based on the mobile phone number can be referred to as the embodiment of the bank account inquiry method based on the mobile phone number, and repeated parts are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 8 is a first structural block diagram of a bank account query device based on a mobile phone number according to an embodiment of the present invention, and as shown in fig. 8, the bank account query device based on a mobile phone number according to an embodiment of the present invention includes: the system comprises an inquiry information receiving unit 1, a system designated account inquiry unit 2 and an account designated unit 3.
The system comprises an inquiry information receiving unit 1, which is used for receiving account inquiry information sent by a bank server, wherein the account inquiry information comprises a mobile phone number of an inquiry target user.
And the system-specific account inquiring unit 2 is used for determining a system-specific account corresponding to the mobile phone number and returning the system-specific account to the bank server when the corresponding default account set by the user does not exist in the mobile phone number, wherein the system-specific account is determined from all accounts corresponding to the mobile phone number through the preset account specifying unit 3.
in an embodiment of the present invention, the account specifying unit 3 is configured to set, as the system-specified account, an account that is registered with the mobile phone number first among all accounts corresponding to the mobile phone number of the user.
in other embodiments of the present invention, the account assigning unit 3 may further be: and setting the account with the largest transaction frequency in the latest period of time in all accounts corresponding to the mobile phone number of the user as a system-designated account or setting the account with the latest transaction in all accounts corresponding to the mobile phone number of the user as the system-designated account.
In an embodiment of the invention, there is only one of the default account and the system specific account at a time.
As can be seen from the above description, in the embodiment of the present invention, in addition to the mechanism for the user to designate the default account, a system-designated account designated in the internet banking system is set, and the system-designated account is an account determined by the internet banking system from all accounts corresponding to the mobile phone number of the user according to a preset account designation method. When the user does not designate a default account, the online banking system can directly return the account designated by the system to the inquirer, so that the complex processes of traversing all accounts associated with the mobile phone number of the user and sequencing the accounts are avoided, and the efficiency of returning the bank account corresponding to the mobile phone number of the user to be inquired is improved.
fig. 9 is a second structural block diagram of the mobile phone number-based bank account query device according to the embodiment of the present invention, and as shown in fig. 9, the mobile phone number-based bank account query device according to the embodiment of the present invention further includes: and the default account inquiring unit 4 is connected with the inquiring information receiving unit 1 and the system-specified account inquiring unit 2 respectively.
And the default account inquiry unit 4 is used for judging whether the corresponding default account exists in the mobile phone number or not, and if so, returning to the default account.
Fig. 10 is a structural diagram of a system-specific account querying unit according to an embodiment of the present invention, and as shown in fig. 10, the system-specific account querying unit 2 according to an embodiment of the present invention includes: an account default type query module 201 and an account information sending module 202.
An account default type query module 201, configured to query, from all accounts corresponding to the mobile phone number, an account whose default type is a system-specific account, where the default type includes: one of a default account, a non-default account, and a system-specific account;
and the account information sending module 202 is configured to return the queried account to the bank server.
Fig. 11 is a third structural block diagram of the bank account query device based on the mobile phone number according to the embodiment of the present invention, and as shown in fig. 11, the bank account query device based on the mobile phone number according to the embodiment of the present invention further includes: default account specifying information acquiring unit 5 and default account specifying operation unit 6
A default account specifying information obtaining unit 5, configured to obtain default account specifying information, where the default account specifying information includes: designating a target account and a mobile phone number of a user;
and the default account designation operating unit 6 is configured to set the designated target account as a default account, and set the original default account or the system-designated account as a non-default account when the original default account or the system-designated account exists in other accounts, except the designated target account, corresponding to the mobile phone number of the user.
Fig. 12 is a fourth structural block diagram of the mobile phone number-based bank account query device according to the embodiment of the present invention, and as shown in fig. 12, the mobile phone number-based bank account query device according to the embodiment of the present invention further includes: an account registration unit 7, a first setting unit 8, and a second setting unit 9.
an account registration unit 7, configured to acquire account registration information for performing first account registration by a user, where the account registration information includes: an account to be registered and an account registration type;
The first setting unit 8 is configured to set the account to be registered as a default account when the account registration type is a registered default account;
And the second setting unit 9 is configured to set the account to be registered as a system-specific account when the account registration type is that a non-default account is registered.
Fig. 13 is a fifth structural block diagram of the mobile phone number-based bank account query device according to the embodiment of the present invention, and as shown in fig. 13, the mobile phone number-based bank account query device according to the embodiment of the present invention further includes: an account deregistration information obtaining unit 10, the account deregistration information obtaining unit 10 being connected to the account specifying unit 3.
An account logout information obtaining unit 10, configured to obtain account logout information, where the account logout information includes: and (4) waiting for logging off the account.
and the account specifying unit 3 is further configured to, when the account to be revoked is a default account or a system-specified account, re-determine the system-specified account from other accounts, except for the account to be revoked, corresponding to the mobile phone number of the user.
To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 14, the computer device includes a memory, a processor, a communication interface, and a communication bus, where a computer program operable on the processor is stored in the memory, and the processor executes the computer program to implement the steps in the method for querying a bank account based on a mobile phone number according to the foregoing embodiment.
The processor may be a Central Processing Unit (CPU). The Processor may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or a combination thereof.
the memory, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and units, such as the corresponding program units in the above-described method embodiments of the present invention. The processor executes various functional applications of the processor and the processing of the work data by executing the non-transitory software programs, instructions and modules stored in the memory, that is, the method in the above method embodiment is realized.
The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory optionally includes memory located remotely from the processor, and such remote memory may be coupled to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
the one or more units are stored in the memory and when executed by the processor perform the method of the above embodiments.
The specific details of the computer device may be understood by referring to the corresponding related descriptions and effects in the above embodiments, and are not described herein again.
In order to achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above-mentioned mobile-phone-number-based bank account inquiry method. It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a hard disk (hard disk Drive, abbreviated as HDD) or a Solid State Drive (SSD), etc.; the storage medium may also comprise a combination of memories of the kind described above.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
the above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (18)
1. A bank account inquiry method based on a mobile phone number is characterized by comprising the following steps:
Receiving account query information sent by a bank server, wherein the account query information comprises a mobile phone number of a query target user;
And when the corresponding default account set by the user does not exist in the mobile phone number, determining a system designated account corresponding to the mobile phone number and returning the system designated account to the bank server, wherein the system designated account is determined from all accounts corresponding to the mobile phone number according to a preset account designation method.
2. The method for querying bank accounts based on mobile phone numbers according to claim 1, wherein before determining the system-specific account corresponding to the mobile phone number and returning the system-specific account to the bank server, the method further comprises:
and judging whether the corresponding default account exists in the mobile phone number, and if so, returning to the default account.
3. The method as claimed in claim 1, wherein the default account and the system-specific account are both present in only one account at a time.
4. The bank account query method based on the mobile phone number according to claim 1, wherein the account designation method comprises: and setting the account which is registered with the mobile phone number at first in all accounts corresponding to the mobile phone number of the user as a system appointed account.
5. The method for querying the bank account based on the mobile phone number according to claim 1, wherein the determining the system-specific account corresponding to the mobile phone number and returning the system-specific account to the bank server comprises:
inquiring out the account with the default type as the account appointed by the system from all accounts corresponding to the mobile phone number, wherein the default type comprises: one of a default account, a non-default account, and a system-specific account;
And returning the inquired account to the bank server.
6. The method for querying a bank account based on a mobile phone number according to claim 1, further comprising:
Acquiring default account designation information, wherein the default account designation information includes: designating a target account and a mobile phone number of a user;
And setting the designated target account as a default account, and setting the original default account or the system designated account as a non-default account when the original default account or the system designated account exists in other accounts except the designated target account corresponding to the mobile phone number of the user.
7. the method for querying a bank account based on a mobile phone number according to claim 1, further comprising:
acquiring account registration information of a user for carrying out first account registration, wherein the account registration information comprises: an account to be registered and an account registration type;
When the account registration type is a registered default account, setting the account to be registered as a default account;
And when the account registration type is that a non-default account is registered, setting the account to be registered as a system-specified account.
8. The method for querying a bank account based on a mobile phone number according to claim 1, further comprising:
acquiring account logout information, wherein the account logout information comprises: an account to be logged off;
And when the account to be logged out is a default account or a system-designated account, re-determining the system-designated account from other accounts except the account to be logged out corresponding to the mobile phone number of the user according to the account designation method.
9. a bank account inquiry device based on a mobile phone number is characterized by comprising:
The system comprises a query information receiving unit, a query information sending unit and a query processing unit, wherein the query information receiving unit is used for receiving account query information sent by a bank server, and the account query information comprises a mobile phone number of a query target user;
And the system-assigned account query unit is used for determining a system-assigned account corresponding to the mobile phone number and returning the system-assigned account to the bank server when the corresponding default account set by the user does not exist in the mobile phone number, wherein the system-assigned account is determined from all accounts corresponding to the mobile phone number through a preset account assignment unit.
10. The device for inquiring bank account based on mobile phone number according to claim 9, further comprising:
And the default account inquiry unit is used for judging whether the corresponding default account exists in the mobile phone number or not, and returning to the default account if the corresponding default account exists in the mobile phone number.
11. The device for bank account inquiry based on mobile phone number according to claim 9, wherein said default account and said system-specific account both exist only one at a time.
12. The device for inquiring bank account based on mobile phone number according to claim 9, wherein the account designating unit is configured to set, as the system-designated account, an account that is registered with the mobile phone number first among all accounts corresponding to the mobile phone number of the user.
13. The device for inquiring bank account based on mobile phone number according to claim 9, wherein the system designates the account inquiring unit, comprising:
An account default type query module, configured to query, from all accounts corresponding to the mobile phone number, an account whose default type is a system-specific account, where the default type includes: one of a default account, a non-default account, and a system-specific account;
and the account information sending module is used for returning the inquired account to the bank server.
14. The device for inquiring bank account based on mobile phone number according to claim 9, further comprising:
A default account specifying information obtaining unit, configured to obtain default account specifying information, where the default account specifying information includes: designating a target account and a mobile phone number of a user;
And the default account designated operation unit is used for setting the designated target account as a default account, and setting the original default account or the system designated account as a non-default account when the original default account or the system designated account exists in other accounts except the designated target account corresponding to the mobile phone number of the user.
15. the device for inquiring bank account based on mobile phone number according to claim 9, further comprising:
The system comprises an account registration unit and a control unit, wherein the account registration unit is used for acquiring account registration information of a user for carrying out first account registration, and the account registration information comprises: an account to be registered and an account registration type;
the first setting unit is used for setting the account to be registered as a default account when the account registration type is a registered default account;
And the second setting unit is used for setting the account to be registered as a system-designated account when the account registration type is a registered non-default account.
16. The device for inquiring bank account based on mobile phone number according to claim 9, further comprising:
The account logout information acquisition unit is used for acquiring account logout information, wherein the account logout information comprises: an account to be logged off;
The account designating unit is further configured to, when the account to be revoked is a default account or a system-designated account, re-determine the system-designated account from other accounts, except for the account to be revoked, corresponding to the mobile phone number of the user.
17. a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 8 are implemented when the computer program is executed by the processor.
18. a computer-readable storage medium, in which a computer program is stored which, when being executed in a computer processor, carries out the steps of the method according to any one of claims 1 to 8.
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